go from 15 at upper end to not fle 36 or 49 bo 43-point pour, obamacare raises taxes as a affordable healthcare act. this is a huge problem, tom is ride, at a time, where so many baby boomers are headed into retirement. their financial advisors tell them, as you get older, it is prudent to shave back your investment in equities and stocks and go into bonds, baby boomers are told to be prudent, to sell stocks, you put on top of that a punishing dividend tax rate this is a terrible risk for the equity market. it has been complacent. i do think that a deal will be done. but i don't think that this equity market prepared for a break down in talks, prepared for acrimony that's will come, before a deal is reached. neil: you know, erin, you could look at it from tom's point of view. warren buffet has gone on record, saying, you know, no good investor he knows is factored in or worried about taxes they look at the -- i guess the appeal of the investment. and tax issue is never an issue. >> he is just a boo boob, that s stois sostupid. neil: erin, do agree. what is he saying. it will not be that bad. >>